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Types of Car Insurance Coverage

Each year, more cars and drivers hit the highways. This could lead to a higher possibility of a collision. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you need and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you are living, you are required to purchase some variety of auto insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for damages due to bodily injury and damage to property that you have caused. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance covers any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other types of car insurance, such as car rental, can also be purchased. Auto Insurance Clermont

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